Gavop shows you how to buy homeowners insurance in Fernandina Beach, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $91,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $172,000 | $150,000 | $175,000-$200,000 |
| 3 Bedroom | $257,000 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $392,000 | $320,000 | $400,000-$500,000 |
| 5 Bedroom | $284,000 | $250,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$75 | $858 |
| Home and Two Car | -$149 | $784 |
| Home and Three Car | -$233 | $700 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Nassau County | $2,500 | $1,336 | $3,836 | $971 | $3,471 | $365 |
| Fernandina Beach, FL | $2,500 | $922 | $3,422 | $670 | $3,170 | $252 |
| St. Marys, GA | $200 | $865 | $1,065 | $628 | $828 | $236 |
| Nassau Village-Ratliff, FL | $1,500 | $1,242 | $2,742 | $903 | $2,403 | $339 |
| Callahan, FL | $500 | $1,379 | $1,879 | $1,002 | $1,502 | $377 |
| Kingsland, GA | $2,500 | $793 | $3,293 | $576 | $3,076 | $217 |
| Jekyll Island, GA | $100 | $1,533 | $1,633 | $1,114 | $1,214 | $419 |
| Sawgrass, FL | $1,000 | $941 | $1,941 | $684 | $1,684 | $257 |
| Orange Park, FL | $300 | $1,417 | $1,717 | $1,030 | $1,330 | $387 |
| Middleburg-Clay Hill, FL | $1,500 | $990 | $2,490 | $719 | $2,219 | $270 |
| Waynesville, GA | $400 | $810 | $1,210 | $589 | $989 | $221 |
| Glen St. Mary, FL | $2,500 | $912 | $3,412 | $663 | $3,163 | $249 |
| Home Insurance Company Fernandina Beach, FL | Homeowners Insurance Agency Fernandina Beach, FL | Address | Popularity Score | Distance from Fernandina Beach (miles) |
|---|---|---|---|---|
| Travelers | Shapiro Insurance Group | 9313 Old Kings Rd S, Jacksonville, FL, 32257 | 29.9 | |
| Allstate | Luis Vienrich | 559 W Twincourt Trl Unit 605, Saint Augustine, FL, 32095 | 44.0 | |
| Allstate | Renee Anderson | 13241 Bartram Park Blvd Unit 501, Jacksonville, FL, 32258 | 34.8 | |
| Allstate | Randall Bogani | 12276 San Jose Blvd Ste 603, Jacksonville, FL, 32223 | 35.1 | |
| Allstate | David Cattin | 2294 Mayport Rd Ste 19b, Atlantic Beach, FL, 32233 | 19.1 | |
| Allstate | Phillip Ulsch | 9119 Merrill Rd Ste 8, Jacksonville, FL, 32225 | 20.0 | |
| Travelers | Hardin Insurance Inc | 3305 Atlantic Blvd Ste A, Jacksonville, FL, 32207 | 24.9 | |
| State Farm | Homer St Clair | 7305 Merrill Rd, Jacksonville, FL, 32277-3726 | 20.6 | |
| State Farm | Roy Byrd | 474418 E St Rd 200, Fernandina, FL, 32034-0803 | 4.2 | |
| Allstate | Morrow Yulee | 464073 State Road 200 Ste 8, Yulee, FL, 32097 | 5.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Florida | $178,700 | $1,605 | $1,250 | $2,150 | $900 |
| Nassau County, FL | $203,500 | $1,353 | $1,050 | $1,810 | $760 |
| Fernandina Beach, FL | $339,200 | $933 | $730 | $1,250 | $520 |
| St. Marys, GA | $167,300 | $875 | $620 | $1,220 | $600 |
| Nassau Village-Ratliff, FL | $126,700 | $1,257 | $980 | $1,680 | $700 |
| Callahan, FL | $147,300 | $1,396 | $1,090 | $1,870 | $780 |
| Kingsland, GA | $143,300 | $802 | $590 | $1,120 | $530 |
| Jekyll Island, GA | $365,200 | $1,552 | $1,070 | $2,220 | $1,150 |
| Sawgrass, FL | $454,100 | $952 | $740 | $1,280 | $540 |
| Orange Park, FL | $177,000 | $1,435 | $1,120 | $1,920 | $800 |
| Middleburg-Clay Hill, FL | $162,700 | $1,002 | $780 | $1,340 | $560 |
| Waynesville, GA | $60,500 | $820 | $570 | $1,160 | $590 |
| Glen St. Mary, FL | $77,500 | $923 | $720 | $1,240 | $520 |